Blogs
What are Material and Substantial Duties in a Long-Term Disability Insurance Claim?
When evaluating the eligibility of individuals for long-term disability benefits, insurance companies often must determine whether those individuals can carry out the material and substantial...
Is Riding in a Group of Bicyclists Safer than Riding Alone?
Individuals may differ on the safety of riding a bicyclist in a group as opposed to riding alone. However, some factors may make riding alone...
ERISA Rights of Applicants Who Have Been Denied Long-Term Disability Benefits
When workers apply for long-term disability benefits under their employer-sponsored LTD plans, the Employee Retirement Income Security Act or ERISA governs the application process, as...
Does ERISA Still Apply if I Leave My Employer but Maintain the Long-Term Disability Policy?
Many long-term disability insurance policies and most of those covered by ERISA are available only through your place of employment. As a result, when you...
Are There Time Limits on My Ability to Apply for Long-Term Disability Benefits?
All long-term disability insurance policies contain strict time limits on your ability to file for benefits under those policies. For ERISA-governed long-term disability policies, which...
How Keeping Medical Logs Can Help Prove Your Long-Term Disability Claims
One of the most effective ways to proactively plan for potential long-term disability claims is to keep personal medical logs of your medical treatment and...
How to Rate Your City’s Bikeability
Earlier this year, PeopleForBikes published its 2019 for the most bikeable cities in the U.S. PeopleForBikes used data from surveys, the Bicycle Network Analysis, the...
Defining “Regular” or “Own Occupation” for the Purposes of ERISA Long-Term Disability Claims
Long-term disability insurance policies are designed to provide you with benefits to replace a specific percentage of your income when you are unable to work....
What Happens if a Plan Administrator Fails to Make a Decision on My Application for Benefits on Time?
The Employee Retirement Security Act of 1974 governs various aspects of the benefits claims process in most employer-sponsored long-term disability insurance policies. Part of these...
Who is Liable in Bike Accidents?
The California Motor Vehicle Code governs and protects everyone on the roadway, not just drivers of motor vehicles. Bicyclists also are subject to various state...
Different Options for Obtaining Long-Term Disability Benefits
Long-term disability insurance policies are meant to replace your income if you become disabled and unable to work. While definitions of disability vary from one...
Can I Use My Auto Insurance for My Bicycle Accident?
Few people realize that their auto insurance policy likely covers them in a bicycle accident. If you’ve been in a bicycle accident recently, this might...